Real estate & wealth
Every property with market value, mortgages, net cash on sale and modelled future inheritances.
Private app · restricted access
Your full wealth, in a single place.
Real estate, mortgages, income, retirement, vehicles and tax documents on one bulletproof platform. Automated tax returns, digital certificates and smart filing.
No card · Secure temporary access · 2-minute setup
- 2FA · email + code
- End-to-end encryption
- Data stays on your VPS
Wealth · household view
Total wealth
€864 k
+5.4% YTDCash if you sold today
€412 k
after mortgageAnnual net income
€18.400
+6.2%Global LTV
32 %
healthyApartment · Madrid Chamberí (primary residence)+€220 k
Apartment · Valencia centre (rented)+€85 k
Holiday home · Costa Brava+€72 k
Commercial unit · Seville+€35 k
Monthly reminder
ActivePending: monthly statements for 4 accounts and 1 mortgage.
0+
properties modelled
0
countries · ES + NL
0%
private data
0
leaks · fully encrypted
0+
satisfied clients
We integrate and sync with
AEATSpanish Tax Agency
Forms 100, 130, 720
BelastingdienstDutch Tax Office
Box 1 / 3 return
CatastroCadastre ES
Cadastral value · IBI
FNMT-CERESDigital cert.
Electronic signature
DigiDNL identity
Government login
IdealistaValuations
Market value
RegistradoresLand registry
Charges & owner
Seg. SocialSocial Security
Work history · IRPF
SVBAOW NL
Dutch state pension
NotaríasNotaries
Deeds · power of attorney
ABN AMROBank NL
Statements · mortgage
INGBank ES / NL
Accounts · cards
StripePayments
Subscriptions · billing
AEATSpanish Tax Agency
Forms 100, 130, 720
BelastingdienstDutch Tax Office
Box 1 / 3 return
CatastroCadastre ES
Cadastral value · IBI
FNMT-CERESDigital cert.
Electronic signature
DigiDNL identity
Government login
IdealistaValuations
Market value
RegistradoresLand registry
Charges & owner
Seg. SocialSocial Security
Work history · IRPF
SVBAOW NL
Dutch state pension
NotaríasNotaries
Deeds · power of attorney
ABN AMROBank NL
Statements · mortgage
INGBank ES / NL
Accounts · cards
StripePayments
Subscriptions · billing
Patrimonia is not affiliated with any of these entities. Names are shown only to indicate technical connectivity and compatibility.
Features
Your full wealth on one dashboard.
Built for families with assets across multiple countries and tax regimes.
Income & retirement
Payrolls, AOW, Social Security, company plans, EU cash-out, royalties and dividends.
Tax & filing
Progressive IRPF, short / long-term capital gains, full dossier for your advisor every season.
Virtual notary
Deeds, land registry, cadastral, contracts and tax docs filed, renamed and cross-linked.
Tax-assisted AI
Local Ollama for routine work; Claude for complex reasoning. Your data never leaves the VPS.
Bulletproof privacy
Email + code 2FA, email whitelist, Row Level Security and daily backups.
Highlighted services
Twelve features for your tax peace of mind.
Each service solves a concrete problem. Tap any card to see the detail: who it's for, which documents it needs and what you get.
Want to see it working with your own documents?
Request a demo and upload a test document. Patrimonia will show you how it is recognised, classified and turned into useful information.
Live demo · 30 seconds
Try Patrimonia with a real bank statement.
Upload any bank statement PDF. Without storing it on our servers: we process it in your browser and show you how Patrimonia would categorise it.
Drop your statement here
or click to select — PDF, JPG, PNG
Choose file🔒 100% local · no byte leaves your browser
Preview · May 2026 statement
Waiting for fileIncome
+€4930
Expenses
−€1093,68
- 2026.05.08+€1280
ALQ. INQUILINO MARÍA G.
auto-classified · Renta
- 2026.05.05−€897,78
HIPOTECA · CAJA RURAL
auto-classified · Hipoteca
- 2026.05.04−€68,4
IBERDROLA · ELECTRICIDAD
auto-classified · Suministros
- 2026.05.03−€42,5
MAPFRE · SEGURO HOGAR
auto-classified · Seguro
- 2026.05.02−€85
COMUNIDAD PROPIETARIOS
auto-classified · Comunidad
- 2026.05.01+€3650
NÓMINA SBM OFFSHORE
auto-classified · Salario
⚠️ This is a simulation with generic data. In your real account, Patrimonia will read your PDF, classify each line against your rules, generate tax alerts and archive the renamed document in your encrypted VPS storage.
Virtual notary
Smart file system.
Every document you upload is automatically renamed following a clear, sortable convention. Find any deed, tax bill or statement in seconds — by date, property or type.
Convention
YYYY.MM.DD_TYPE_PROPERTY_description.ext
- ▸ Sortable date at the start (natural chronological order).
- ▸ Standardised type: Deed, Tax, Mortgage, Statement…
- ▸ Property/entity in kebab-case for fast search.
- ▸ Short, readable description.
Before — chaos
After — order
- IMG_8472.pdf→2026.05.11_IBI_Catharina_recibo-anual.pdf
- escritura final.pdf→2024.07.15_Escritura_Catharina_compraventa.pdf
- extracto-marzo.pdf→2026.04.01_Extracto_ABN-AMRO_corriente-NL71.pdf
- WhatsApp doc 2024.jpg→2026.04.20_Comunidad_Williams_recibo-mensual.jpg
- Scan_20260509.pdf→2026.05.09_Hipoteca_Williams_cuadro-amortizacion.pdf
How it works
From document to signed tax return in four steps.
01
Upload your documents
Drag statements, invoices, contracts or deeds. AI processes them in seconds.
02
Classify + rename
Ollama for routine, Claude for tax reasoning. Auto-renamed to the standard.
03
Rules that learn
Every correction trains the system. Within weeks, 90% classifies itself.
04
Tax return ready
When the season arrives, one click submits everything with a digitally signed dossier.
Pricing
Clear plans, no surprises.
The basic tier for your family is free. If you need cloud AI, automatic submissions or holding companies, there's a plan for you.
Starter
For individuals getting organised.
Gratis
free forever
Essential
- Personal dashboard
- Up to 1 user
- Up to 1 property
Basic AI
- Auto expense categorisation
- Basic document upload
Overview
- Monthly expense view
Premium
For families and property owners.
€29/ month
Family
- 2 users
- Up to 5 properties
- Multi-device access
Financial AI
- AI financial insights
- Smart expense categorisation
- AI-assisted deductions
Management
- Tax and document reminders
- Service savings recommendations
- Mortgage and property overview
- Document archive
- Financial dashboard
Pro
For investors and advanced wealth management.
€79/ month
Investors
- Up to 5 users
- Unlimited properties
- Multi-property cash flow
Advanced wealth
- Annual market report
- AI real estate advisory
- Advanced wealth analytics
- Investment property overview
- Advanced tax estimation
AI & support
- AI savings opportunities
- Trend monitoring
- Smart contract reminders
- Priority support
Custom Product
For more complex clients.
A medida
custom pricing
Structure
- Unlimited family structures
- Advanced patrimonial oversight
- Multi-country support
Integration
- Dedicated onboarding
- API integrations
- Custom AI workflows
Service
- Priority assistance
- Advanced reporting
- White-glove support
También puedes empezar con el plan gratuito.
- No hidden fees
- Secure European infrastructure
- Spain + Netherlands ready
- AI-assisted organisation
About us
Built by specialists, for families.
Patrimonia was born from the frustration of managing wealth scattered between Spain and the Netherlands: mortgages in two languages, multiple advisors, piles of statement folders, and a yearly tax return that turns into a week of work.
We built it for our own family and opened it to others who want the same: order, automation and bulletproof privacy. We don't sell your data. No ads. You don't have to trust our servers: data lives on your VPS.
4 yrs
in development
ES + NL
dual tax expertise
0
leaks
24/7
monitoring
Privacy & security
Your data, handled with the care it deserves.
- Access restricted to authorised users, with two-step verification.
- Your information stays isolated from every other client at all times.
- Sensitive information is processed on private infrastructure — never shared with third parties.
- Bank-grade encryption at rest and in transit, with daily backups.
- Full traceability: every change is logged and available for you to review.
- Aligned with GDPR principles and best practices from the financial industry.
Trust by design
2FA verificationBank-grade encryptionDaily backupsPer-user isolationPrivate infrastructureGDPR-alignedHTTPS enforcedImmutable historyPersonal supportNo data resale
Full history
Every action is logged in an immutable history, accessible only to you.
What our clients say
4.9Average Google rating · based on 213 reviews
“Flats in Spain and a Dutch mortgage, all a mess. In one afternoon everything was organised with the tax calculation ready.”
MSMarta SoléOwner · Barcelona, Spain
“The AI classifies my ABN AMRO statements and renames them by itself. The advisor dossier is one click away.”
PdPieter de VriesInvestor · The Hague, Netherlands
“Finally a place where cross-border family wealth makes sense. Support replies within hours.”
LFLucía FernándezFamily · Valencia, Spain
“Real privacy and data kept in the EU. It gave me confidence other tools didn't.”
SvSanne van der BergFreelancer · Amsterdam, Netherlands
“Capital gains and cadastral value computed without fighting spreadsheets. Truly premium.”
JRJavier RuizOwner · Madrid, Spain
“Upload a document and seconds later it's classified and linked to the right property. Impressive.”
NJNiels JansenFamily · Rotterdam, Netherlands
Contact
We're here whenever you are.
If your email is authorised, sign in directly. For sales, support or custom demos, use the email below.
family@patrimonia.family
Operating address
The Hague · 2551 GV · Netherlands
Phone
+31 (0) 6 — on request
Domain
patrimonia.family
Private demo
Want to see Patrimonia in action?
We book private 30-min sessions for families with international wealth. We show you how to load your real documents and see the dashboard instantly.
Request demoWe reply immediately.
Ready when you are
Sign in with one click.
Enter email and password, we send you a one-time code valid for 5 minutes and you're in. If your email isn't authorised, you can't get in — that simple.
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